It allows our motor claims staff to validate cover and process claim in alignment with your policy contract.

Choosing a higher voluntary excess will help to bring down the cost of your car insurance premiums because the insurer won’t have to pay out so much in the event of a claim.

This allows our motor claims staff to quantify damages in alignment with your detailed description.

The write off process is as follows:

Once your vehicle is declared a write-off then you will be required to provide
* Copy of the Natis / Registration Documents
* Settlement letter from the Bank if still financed
* Updated renewed license disk if expired or is expiring

It is a required supporting document for all legal claims against you.

We’ve simplified the process for updating your policy details anytime. It’s crucial to inform us promptly about any significant changes. Certain changes may affect your premium, so if you don’t notify us in time, your claim may be subjected to reunderwriting and if the area not accepted by the insurer where they would have declined the risk in the first place, you will have no cover. A refund of your premiums will be processed. In cases where the insurer accepts the risk at a higher premium, the claim will be settled and you will be charged for the additional premium. Speak to us for further clarity.

An excess is payable for each and every claim you may have. If you have two accidents on the same day, you will have to pay two different excesses as this is two different incidents.

These are excesses that are payable over and above the basic excess, you can look into your policy schedule for a break down of the additional excesses. For example, if the driver at the time of the claim is under 25 there will be an additional excess that you will be liable for.

The insurance company works with panel beaters / repairers across the country, so if you have a vehicle claim, the approved towing company tows your car to a designated panel beater or repairer based on the insurers instructions. So in this case the assessor will go to the panel beater / storage yard and do the assessment of the vehicle. In most other cases the assessor will contact you and make arrangements to see you as your car would still be with you and is driveable / being used by you.

An excess is the first amount payable by you for any claim you may incur, this is compulsory. In the event of a total loss claim, the excess amount will be payable and due immediately on authorisation of the claim. In terms of a claim where a vehicle is repairable, the excess amount will be payable directly to the repairer on or before order any spare parts, and/or on delivery of such vehicle after repairs. For. example, this is an amount you will pay to the panel beaters to repair your car.

This simply means that if your Claim / Quantum / Repair estimate is R10 000 and your Excess is R15 000 you will have to repair the vehicle at your own cost. The Excess is the first amount payable by you in an event of a claim.

In terms of a claim where a vehicle is repairable, the excess amount will be payable directly to the repairer on or before order any spare parts, and/or on delivery of such vehicle after repairs.

If you don\u0027t have money to pay for the excess after your car has been fixed… you may have the following options but is not guaranteed:

* Speak to the panel beater or repairer and discuss if they are able to make an arrangement with you for installment payments.
* You will have to save the excess money and pay the panel beater or repairer when you have it.
* Remember this is the sole discretion of the panel beater or repairers we cannot unfortunately know the outcome of their decisions. You will have to speak to them directly.

The claim authorization for repairs to your car is valid usually between 3 to 6 months dependent on the insurer.

The reason for time capping the time is that the spare part prices of the vehicles can increase, meaning that panel beaters or repairers will not be able to fix your car at the same prices previously quoted.

In some cases a totally new assessment has to be done to establish the costs to fix up your vehicle.

An excess is payable whenever a claim is submitted and it is the first amount payable whether or not it is your fault.
If you are considering claiming from the 3rd party’s insurance company, there will be no excess.

If you are claiming from your insurance then you will have to pay the excess however the insurance company will try to recover this money from the 3rd party’s insurer.
* Please note that this process takes a long time, even in cases over a year and is at times unsuccessful due to the client sometimes not having insurance or the other insurance companies cannot prove who was actually at fault.

The National Financial Ombudsman deals with cases where if you are unhappy with a claim that has been repudiated or need advise on a disputing a decision taken by the insurer, you can contact the offices of the ombudsman.

In most cases, insurance companies has an Internal Arbitrator that can be contacted to seek for advise on the dispute decision where a resolution can be reached.
Check your policy documents for more information on this.
The contact details is Tel. 086 080 0900.

Most insurance companies already have approved panel beaters that they work with, however if you choose to use your own panel beater or repairer you will have to sign a disclaimer accepting full liability for your decision. This means that if something goes wrong with the work done by the panel beater you selected, you will have to deal with the problem yourself.

If you require more clarity on this you are welcome to email us at claims@xinixinsurance.co.za

You have 30 Days in which to register a claim with the insurer.